| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.2 pts |
| Loan growth (YoY) | -0.0% | +5.6% | -5.6 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 21.2% | 11.9% | +9.3 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $226.9M | $198.6M | $155.6M | $20.0M | $2.1M | 1.86% | 4.41% | 0.37% |
| Q1 2026 | $221.0M | $193.2M | $155.8M | $19.6M | $834K | 1.52% | 4.33% | 0.27% |
| Q4 2025 | $218.7M | $191.7M | $153.1M | $18.7M | $4.0M | 1.89% | 4.41% | 0.23% |
| Q3 2025 | $222.2M | $194.7M | $157.8M | $19.3M | $3.1M | 1.93% | 4.38% | 0.20% |
| Q2 2025 | $217.4M | $190.7M | $155.6M | $18.5M | $1.9M | 1.86% | 4.30% | 0.20% |
| Q1 2025 | $207.5M | $181.6M | $152.0M | $17.8M | $939K | 1.84% | 4.23% | 0.17% |
| Q4 2024 | $201.1M | $176.3M | $148.5M | $16.9M | $3.2M | 1.68% | 4.09% | 0.16% |
| Q3 2024 | $202.0M | $178.0M | $143.1M | $17.1M | $2.5M | 1.76% | 4.03% | 0.08% |
Loan mix (Q2 2026): real estate $142.0M · commercial $6.4M · consumer $3.5M · securities $46.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 21.2% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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